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Vcents vs Xero
Xero is full accounting software: bookkeeping, bank reconciliation, VAT and tax. Vcents is not trying to be that. It does one part of the job, asking clients for money and knowing who has paid, inside the WhatsApp chat where you booked the work.
| Xero | Vcents | |
|---|---|---|
| How you pay | A monthly plan. Ignite is £18 a month, Grow £39 | 2% + 20p per payment you receive. No monthly fee |
| In a quiet month | The plan still costs the same | You pay nothing if nobody pays you |
| Sending an invoice | Fill in an invoice in Xero and email it. Ignite allows 20 invoices a month | Type “Get £40 from Sarah for Tuesday” in WhatsApp |
| How your client pays | A Pay now button if you connect a payment provider, at its fees on top | Taps the link and pays in their own banking app, or by card |
| Who still owes you | An aged receivables report in Xero | Ask “Who still owes me?” and get the list |
| Bookkeeping and tax | Bank reconciliation, VAT returns, Making Tax Digital for Income Tax | Not yet. Making Tax Digital support is coming |
Xero details from xero.com/uk/pricing-plans, checked November 2026. Prices exclude VAT; Xero often runs an introductory discount for the first months.
Which one fits you
If you have an accountant, file VAT, or want your books and tax in one place, Xero is built for that. If what eats your evenings is asking for money and working out who has paid, Vcents does that from the chat, and costs nothing in a month nobody pays you.
See exactly what Vcents costs on the pricing section.
Try it in the chat.
Message Vcents and it gets you set up in about a minute.